Following are the car insurance add-ons available for BMW bike insurance:  

• Zero Depreciation Cover
• Return to Invoice Cover
• Engine & Gear-box Protection Cover
• Consumable Cover
• Breakdown Assistance
• Tyre Protect
• Daily Conveyance Benefit
• EV Shield Add-on Cover

BMW motorcycles are relatively expensive to its equivalent models as the brand identity is ingrained with exclusivity and state-of-the-art refinements. The models feature up-to-date innovations and top-quality components to confirm optimum safety, comfort and convenience. The first BMW Motorrad exhibited a flat-twin boxer engine which the company still equips in the bikes. Apart from these, other notable features include 

• Cruise Control
• Side View Assist (blind-spot warning indicator) 
• Multi-mated heated grips
• On-Board Computer
• TFT Color Screen
• Navigation & Communication Systems

One of the contributing factors is the small-scale production that helps them to focus more on their engineering in the realms of suspension, engine, frame fabrication and technology. This accounts for high maintenance and routine repairs and replacements. Besides, the German bike manufacturer specialises in developing adventure, dual-sport, heritage cafes and sport models.

Therefore, it is wise to possess valid two-wheeler insurance for BMW to steer clear of hefty maintenance fees. 

Your insurance for BMW two-wheeler will help you stay away from possible repair/replacement costs within the policy terms. Besides, a valid insurance policy can be beneficial in several other ways. This includes-

1. Own Damage Protection - In case your bike is damaged due to accident, flood, earthquake, theft, fire or any similar threat, your insurance company will compensate for the losses in the form of reimbursement against your insurance policy.
2. Third-Party Coverage - The Motor Vehicles Act 1988 mandated a third-party policy for all automobiles in India. Under this coverage, you no longer have to bear the third-party damage expenses. That means, if your bike hits another property or vehicle, your insurer will pay for the damage. Even if you injure an individual, the insurance company will deal with the issue.
3. No Legal Fines - Your two-wheeler insurance saves you from paying hefty penalties of ₹2,000 and ₹4,000. In simple words, if you fail to produce valid insurance documents, you attract lump sum fines. In fact, it is illegal and may result in driving license cancellation or jail for up to 3 months. 
4. Personal Accident Cover - According to the IRDAI, insurance companies provide PA cover to all policyholders. As per the guideline, insurers have to pay a compensation of ₹15 lakhs to the policyholder’s family members in case the latter dies or undergoes permanent or partial disability in an accident. 
5. No Claim Bonus - Insurance companies reward their customers with a No Claim Bonus on completing the claim-free year. So, if you do not raise any claim for an entire year, you will earn a bonus. This bonus acts as a discount on the policy premium.

Reputed insurance companies such as Digit offer 20% to 50% discounts on premiums based on the number of claim-free years. This makes Digit an ideal choice for BMW two-wheeler insurance.

When scouring the internet looking for reliable two-wheeler insurance policy options, there are several factors you must determine besides BMW two-wheeler insurance price. Popular insurance companies like Digit provide additional convenience against motorcycle insurance policies to ensure complete financial security.

Here is the list of the benefits.

1. Several Policy Options - Digit extends tailored policy plans based on the diverse requirements of the customers. You get to choose from the following policies.
2.  Third-Party Policy - When your bike inflicts damage to another vehicle, person or property, Digit will indemnify the affected party against your policy. Even, the insurer will handle all the litigation issues that may arise in such cases.
3. Own Damage Protection - Third-party policyholders can enhance their basic insurance plan with standalone Own Damage Protection. Under this coverage, you no longer have to pay for damages caused by accidents, natural calamities, fire, theft etc. 
4.  Comprehensive Policy - This is the most extensive option Digit offers, covering both third-party and own damage protection. Additionally, you get a chance to include add-on covers to upgrade your insurance policy with this plan
5.  Convenient Claim Filing Process - With Digit, you can sidestep the traditional claim filing process, including time-consuming verification. Instead, you can simply raise a claim in 3-simple steps.
   • Step 1: Dial 1800 258 5956 from your registered mobile number to receive the self-inspection link
   • Step 2: Submit the images of your impaired bike on the link as proof
   • Step 3: Select your preferred mode of repair – ‘Cashless’ or ‘Reimbursement’
6.  Online Purchasing/Renewal Option - At Digit, you do not have to undergo a tedious process to buy or renew insurance policies. If you are a new member, visit the official website to opt for BMW two-wheeler insurance online. However, if you already are a member, sign in to your existing account for an online BMW two-wheeler insurance renewal.
7. IDV Alteration - Digit facilitates its customers with the option to increase or decrease the Insured Declared Value at their convenience. In case one opts for higher IDV, he/she has to pay BMW two-wheeler insurance renewal price.
8. Policy Elevation With Add-ons - If you own a comprehensive two-wheeler insurance plan, you can upraise your policy by including add-ons from the following options against additional charges.
   • Zero depreciation
   • Consumables
   • Return to invoice
   • Roadside assistance
   • Engine protection
9. Nationwide Digit Network Bike Garages - Take a ride on your BMW motorcycle at any corner of India tension-free. Digit has tie-ups with over 2900 network garages across the country to ensure smooth service.
10. 24x7 Customer Assistance - Digit’s customer support service is available around-the-clock to help you clear doubts related to two-wheeler insurance plans. 

You can also reduce your BMW two-wheeler insurance premiums if you opt for higher voluntary deductibles and avoid filing unnecessary claims. Nevertheless, compromising insurance policy coverage is not a wise choice to save money on premiums. You may end up spending more on repair/replacement in such circumstances.

Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it BMW bike insurance renewal online or its purchase, you must check these tips discussed below to ensure that you are not paying more than what is necessary for your insurance policy:

• Purchase the Insurance Directly from the Insurer - Avoid any agent or broker while buying your insurance policy. Most insurance providers offer the option to buy their policies online by following a simple procedure. This facilitates you to purchase the policy directly from the insurance company and avoid any intermediary and their subsequent charges.
• Apply for the Add-Ons which are Absolutely Necessary - While finalising on the policy, check which add-on covers you really need. Every add-on cover adds to the premium amount, and you should be careful to avoid them unless you really need them.
• Check for No-Claim Bonus Benefits - No Claim Bonus benefits are offered to policyholders if they do not raise any claims against their policy in a year. This benefit is extended as a discount on the premium for the policy in the subsequent year.
• Opt for Voluntary Deductibles - You can opt for voluntary deductibles on your insurance policy that will require you to settle a part of your claims before your insurance coverage kicks in. If you opt for this deductible, you can consequently save on your premium payment for the policy.